#GetCovered

HealthCare.gov is Open for Business

“Without the Affordable Care Act, I simply could not have retired at 62.”

Read more stories at WhiteHouse.gov/Get-Covered.
Donald L., Palm Coast, FL

Health Care Blog

  • This Is What Getting Covered Sounds Like:

    We recently asked folks to share their experiences getting covered since the Health Insurance Marketplace opened for business on October 1st. Here are some of the stories we heard. Got one of your own? Share it here.


    Lucy from Texas:

    "I signed up at Healthcare.gov and I'm going to save $2,300 a year on my premium alone -- and more, because my deductible will drop from $7,500 a year to $3,000 a year. It's still Blue Cross insurance, and I don't have to change doctors, either. I had a choice of over 30 plans and several different companies."

    Larry from California:

    "HealthCare.gov directed me to Covered California. My new plan gives me better coverage than what I've had with the same insurer and will cost $188.00 a month less. That's why it's important for others to check it out. In California I experienced some glitches at first and I would check in every few days and things kept getting better."

    Mark from Idaho:

    "Yes, the website had some problems, but saving roughly $2,500 next year (in premiums alone!) seems well worth a little extra patience. Having coverage that actually protects me from financial ruin if I, or my son, get sick or injured? I don't think you can put a price tag on that…"

  • Adele's Story: I Don't Have to Worry About Lifetime Limits on My Daughter's Health Care

    Adele's daughter Lily was diagnosed with a severe case of cerebral palsy. By the age of 3 months she was already halfway to her lifetime maximum of health benefits. Because of the Affordable Care Act, Lily can never be denied coverage for her condition and will no longer be worried with the lifetime maximums that health insurers used to place on health benefit.

    Check out the video below to hear Adele talk about what the Affordable Care Act means for her and her family.

    Watch on YouTube

    Learn more about the Affordable Care Act and get covered at HealthCare.gov


    For more information:

     

     

  • Early Affordable Care Act Enrollment & The Massachusetts Experience

    Massachusetts’s healthcare law, passed in 2006, served as a model for the Affordable Care Act, and the state’s experience during its first year of enrollment offers important lessons for what we can expect over the first six months for the ACA.

    • For example, we know that most consumers buy health insurance close to the deadline for enrollment. In Massachusetts, 123 premium paying consumers – or 0.3 percent of the eventual premium paying enrollees – signed up in the first month they could enroll and over 20 percent enrolled in the last month. By the end of a year, 36,000 had purchased coverage.  And we know that young adults bought plans. In Massachusetts the number of uninsured young people plummeted from about 1 in 4 to 1 in 10 within 3 years.
    • Today, Massachusetts residents have nearly universal health insurance coverage and the primary attacks against this law – many of which we are hearing again today about the ACA – never proved true.
    • Before the Massachusetts plan was enacted, people without insurance coverage could only turn to emergency rooms or community health centers for care. The old Massachusetts Uncompensated Care Pool was a program that reimbursed hospitals, community health centers and providers for care that the poor and uninsured couldn't afford, but as the Massachusetts government makes clear, the program "is not health insurance."  As then-Governor Romney said in pushing for the Massachusetts reforms, "I believe that we should be able to provide for all of our citizens a basic, good, solid health care system and that means that we don't use the inefficient system we have now where half a million people without insurance go to emergency rooms."

  • A Healthy Collaboration to Improve Children’s Health

    Ed. Note: This blog is cross-posted from the Environmental Protection Agency.

    When we travel to cities and communities large and small, we see first-hand the direct link between a healthy environment and healthy lives, especially for our country’s children. But as we observe Hispanic Heritage Month, it’s worth remembering that too many of our children, especially in minority communities, live in unhealthy environments that lead to unhealthy lives.

    Scientific studies show that minority children who live, learn, and play in low-income communities are at a greater risk of environmental health problems such as asthma, lead poisoning, pesticides exposure, among others.

    In 2009, approximately 70 percent of Hispanic children lived where air quality standards were subpar, contributing to higher incidences of asthma and other respiratory diseases. In fact, Puerto Rican American children have among the highest levels of reported current asthma as compared to all other racial and ethnicity groups. In the United States, nearly 1 in 10 school-aged children live with asthma every day, those most affected live in lower-income communities of color.

    These health disparities are more than just hospital visits and more medicine. They also mean more missed school days, and a higher incidence of obesity due to less exercise.

    That’s why improving children’s health and fighting for environmental justice are critical to the work we do. And that’s why we’re proud that EPA and the National Hispanic Medical Association (NHMA) have collaborated with federal, state, and community partners to increase awareness on key environmental health issues, particularly among the most vulnerable minority populations.

    Just last year, EPA and the NHMA actively participated in President Obama’s Task Force on Environmental Health Risks and Safety Risks to Children, which launched the Coordinated Federal Action Plan to reduce racial and ethnic asthma disparities. This plan now provides a framework for federal agencies with measurable goals and outcomes to enhance environmental health among our nation’s children in partnership with our healthcare professionals.

    Another key way to fight health disparities is increasing access to quality health care. The Affordable Care Act will help by connecting people to high-quality, affordable health insurance through the new Health Insurance Marketplace, Medicaid expansion, and consumer protections like prohibiting discrimination on the basis of pre-existing conditions, such as diabetes or asthma that disproportionately affect minority communities.

    But if we are serious about addressing large scale public health disparities, especially for our children—we must be serious about reducing carbon pollution and fighting climate change.

    Climate change is more about extreme weather. It’s also about children’s health. It’s about clean, healthy air they breathe. The carbon pollution that fuels climate change brings about hotter weather—worsening levels of pollen and smog and leading to longer allergy seasons and increased heat-related deaths, especially for children.

    The urgency to act on climate change couldn’t be clearer. That’s why we’re proud to follow President Obama’s leadership to bring communities together so we can take simple steps at home and in our neighborhoods to reduce the adverse impact of a changing climate and do right by our children.

    As we travel the country, we see that a healthy environment means healthy children. And as we observe the end of Hispanic Heritage Month, it’s our promise to the American people to continue fighting for cleaner water, cleaner air, and stronger public health standards for all of our children and families—regardless of who they are, where they come from, or where they live.

    Gina McCarthy is the Administrator of the U.S. Environmental Protection Agency.

    Dr. Elena Rios serves as President & CEO of the National Hispanic Medical Association, (NHMA), representing 45,000 Hispanic physicians in the United States. She also serves as President of NHMA’s National Hispanic Health Foundation affiliated with the Robert F. Wagner Graduate School of Public Service, New York University, to direct educational and research activities.

  • Karmel's Story: I No Longer Fear My 'Pre-Existing Condition'

    President Barack Obama delivers remarks on the Affordable Care Act during a statement in the Rose Garden

    President Barack Obama delivers remarks on the Affordable Care Act during a statement in the Rose Garden of the White House, Oct. 21, 2013. (Official White House Photo by Pete Souza)

    Editor’s note: Last Monday, President Obama explained that thousands of Americans are signing up for affordable, high quality health insurance thanks to the Affordable Care Act. Karmel Allison, who stood behind the President that day, had never before been able to shop for health insurance without fear of being rejected because of her medical history. Below, read about Karmel’s experience, in her own words.

    I do not have a pre-existing condition. But I have a pre-existing condition in-waiting that has caused me to live in fear for years.

    A pre-existing condition. What does that mean, anyways? I am a type 1 diabetic, but that diagnosis certainly does not pre-exist me. No-- pre-existing is not a medical condition; it is a legal one. Before the health insurance marketplace opened in my state, if I were to seek health insurance, my type 1 diabetes would be a pre-existing condition, and sufficient reason for most insurance companies to shut the door in my face.

    Through the delicate pairing of my parents' prudence and protocol at my health insurance company, I am lucky enough not to have a pre-existing condition. I was covered by a health insurance plan before I was diagnosed, and when I left my parents' plan at the age of nineteen, I was able to convert my existing coverage to an individual plan as if I had been continuously covered by the same plan.

  • Why We Passed the Affordable Care Act in the First Place

    President Barack Obama delivers remarks regarding the Affordable Care Act, at Faneuil Hall

    President Barack Obama delivers remarks regarding the Affordable Care Act, at Faneuil Hall in Boston, Mass., Oct. 30, 2013. (Official White House Photo by Amanda Lucidon)

    Ed. Note: Earlier today, Deputy Senior Advisor David Simas sent a message to the White House email list. Didn't get it? Sign up for updates here.

    Earlier today, President Obama spoke at Faneuil Hall in Boston. While Boston is home to Big Papi and my beloved Red Sox, it's also home to the birthplace of health reform in America.

    The state's progressive vision of universal coverage and the conservative idea of market competition are what formed the blueprint for Obamacare: that everyone should have access to quality, affordable health care, and no one should ever go broke just because they get sick.

    And we're seeing the benefits of reform extended nationally: According to a new report this week, nearly half of single, uninsured Americans between the ages of 18 and 34 can get coverage for $50 or less, often lower than the cost of their cable bill. That comes on top of the new benefits -- including free preventive services like mammograms, and a prohibition against denying coverage for pre-existing conditions.

    Now HealthCare.gov has experienced its share of bumps in the road, to all of our frustration, but every day people are signing up and getting insurance. President Obama has said many times that he's open to making the health care law work better. If folks could leave the politics aside for a bit -- if Republicans spent as much energy trying to make the law work as they do attacking it -- we could be much further than we are today.

    Last week we sat down and spoke with folks who have applied through the Marketplace, and their stories remind me why we fought so hard to pass this law in the first place.

    Will you take two minutes to watch this video -- and then forward it to a friend?

    If you want an example of the difference this law will make in someone's life, you don't have to look any further than Janice -- a new registrant from Selbyville, Delaware. She was the first woman to enroll in the Delaware exchange, and she says her new policy will save her $150 a month for more coverage benefits than ever before.